Practical guide
CTC offer checklist before estimating take-home pay
Use the offer letter and payslip to separate employer costs, payroll deductions, variable pay, and user-entered tax.
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Read the offer as four input buckets
Before using the CTC to Take-home Calculator, mark each annual amount as CTC, employer-only cost, employee deduction, or variable/out-of-scope pay. Employer PF or insurance belongs in the employer-cost field only when it is part of CTC but not paid as cash. Tax belongs in the tax field; do not treat an assumed tax percentage as an official calculation.
Suppose an offer includes ₹1,500,000 CTC, ₹90,000 employer benefits, ₹180,000 estimated tax, ₹36,000 deductions, and ₹100,000 performance bonus. The tool’s fixed-pay estimate is ₹1,194,000 annual or ₹99,500 monthly before deciding whether the conditional bonus should be included. That distinction is more useful than silently treating all CTC as guaranteed cash.
Check whether stated allowances are reimbursements, whether bonus is target or guaranteed, and whether deductions change after a salary revision. Compare the output with a recent payslip when one exists.
FAQ
Where should an annual bonus go?
The tool has no bonus field. Keep a conditional bonus outside the fixed take-home result or document an explicit scenario.
Why enter tax manually?
Tax treatment is personal and can depend on the selected regime and deductions.